We are currently updating our offerings and website. While we update our offerings and website, we are unable to process new loan requests.

Personal Loans | Emergency Loans | Installment Loans

Whether you're a Federal, State, Military, USPS or Private sector employee, we'll provide you with fast loans and great terms to help build your credit history!

Why People Choose Us

Get help when you need it the most.

Easy Application

Tell us about yourself, submit your documents, and get a fast lending decision!

Low Interest Rates

Save more on your loan with low interest rates - leading the way to financial wellness.

Expert Advice

Receive financial counseling from the industry’s best experts with KOFE.

Looking for financial help?

You can apply for a loan to receive the assistance you need.

Installment Loans

Get a fast, low cost personal loan. You can borrow up to $6,000, repayable over 6 to 36 months. Please note a 4% origination fee will be charged with each installment loan1.


An emergency loan of $500 to $1,500 at 29.99% interest rate repayable over a period of 6 to 12 months.

Payday Loan Alternatives

Have an unexpected expense? Get a low cost fast personal loan instead of a high cost payday loan.

Short Term Loans

Receive quick cash. Our employee loans are tailored to your needs. Low cost loans quickly.

Quick & Simple Personal Loans With Great Rates

Tailor-Made Just
For You

Customizable lending
plans to match your
unique requirements.

Reliable and Affordable Credit

Superior alternative to
payday lending and
other loan providers.


Save more on your loan
with low interest rates.

Extra Benefits

Financial education +
enhanced credit history
for all borrowers.

Easy Repayment

Simple payroll deduction
process enabled by
advanced technology.

Fast Cash Now

Fast, Easy Signup

Loans offered as a
benefit, aiding in quick
loan application.

Loans for Federal Employees or Loans for USPS Employees

State Employee Lending Solutions

Employer Loan Platform


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  1. Here is an example of the specific rates and fees that would apply to your loan with WorkPlaceCredit®: If you are requesting a loan of $3000, an origination fee of $120 (4%) will be added to your loan amount. The total amount of your loan would be $3120 which is financed at an interest rate of 20.99% and 25.18% APR. Should your chosen time frame for repayment be two years, your payments of $73.71 would be scheduled over 52 bi-weekly installments over the next 2 years.
  2. Payroll deduction is not a condition for approving the loan.
  3. A $500 Emergency loan with an APR of 29.99%. you will make 26 bi-weekly payments over 1 year of $22.56. Your actual payment will vary based on the payment frequency and term of your loan offer.

WorkPlaceCredit® is the registered trademark of In-House Capital, LLC.


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